Search found 18606 matches

by VictoriaF
Mon Nov 18, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 54
Views: 24304

Re: Federal Blue Cross Standard versus Basic

I had basic for a while then switched to standard thinking that it would be better and potentially more expansive coverage. This year saw an expensive outpatient surgery (at a preferred provider facility) and under the standard plan I owed 15% of the accepted cost - several thousand dollars. Under ...
by VictoriaF
Sat Nov 16, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 582
Views: 47991

Re: [What UN-frugal thing do you do? What do you splurge on?]

A couple weeks ago, I signed for the Farnam Street's ReThink workshop at the end of February, which is $2,500 for two-and-a-half days. Amtrak, hotel and food are additional expenses. Victoria Do you mind sharing your experience of the ReThink Workshop? Fan of Farnam Street blog and podcast, so curi...
by VictoriaF
Wed Nov 13, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 9876

Re: The difficulty of discarding frugality?

If you think you are being unnecessarily frugal, take advantage of the anchoring bias . Force yourself to buy something expensive, and the next time this or similar purchase will be easier. I now don't think twice about signing up for local comedy courses for ~$300 each and now experimenting with tr...
by VictoriaF
Wed Nov 13, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Forgotten Expenses in Retirement--Travel
Replies: 32
Views: 2622

Re: Forgotten Expenses in Retirement--Travel

You can save travel expenses by getting credit card bonuses. In retirement, you'll have the time to understand and play the game. My other source of savings is taking DAY flights to Europe via London. I fly in United Economy, leaving at 8 AM and arriving at 8 PM, spend a night at Heathrow, and the n...
by VictoriaF
Wed Nov 13, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 582
Views: 47991

Re: [What UN-frugal thing do you do? What do you splurge on?]

Next week, I will be taking a stand-up workshop in NYC. The total cost of the class, lodging, Amtrak, and meals is over $1,000. A couple weeks ago, I signed for the Farnam Street's ReThink workshop at the end of February, which is $2,500 for two-and-a-half days. Amtrak, hotel and food are additional...
by VictoriaF
Wed Nov 13, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3263

Re: HDHP over BCBS Basic for Feds?

One thing I've observed the last few years in GEHA, whether its HDHP or Standard, is that the customer service is horrible, relative to the superior service I received from Aetna and BCBS in the past. Frequently, the information I received from GEHA representatives is wrong or subject to correction...
by VictoriaF
Wed Nov 13, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3263

Re: HDHP over BCBS Basic for Feds?

I am in the DC area and trying to choose between BC/BS-Basic and BC/BS-Standard. Another option is GEHA-High. How likely is one to need an out-of-network doctor that's not covered by BC/BS-Basic? All my current doctors are in the network, but I am thinking about unknown unknowns. Victoria Was in GE...
by VictoriaF
Tue Nov 12, 2019 11:57 am
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 195
Views: 71272

Re: Master thread for Washington DC Area Bogleheads

bobcat2 wrote:
Tue Nov 12, 2019 11:29 am
If you have a particular topic you would like to discuss you can post it here or bring it up at the meeting.
Thank you, Bob,

I'd like to discuss people's experiences with FEHB health plans.

Victoria
by VictoriaF
Tue Nov 12, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3263

Re: HDHP over BCBS Basic for Feds?

I am in the DC area and trying to choose between BC/BS-Basic and BC/BS-Standard. Another option is GEHA-High.

How likely is one to need an out-of-network doctor that's not covered by BC/BS-Basic? All my current doctors are in the network, but I am thinking about unknown unknowns.

Victoria
by VictoriaF
Tue Nov 12, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4366

Re: 2 days in New York City

motorcyclesarecool wrote:
Mon Nov 11, 2019 7:28 am
Resurrecting this thread to ask: what comedy clubs are decent?
Next week I will be taking a stand-up class in New York that will culminate in a public performance at Gotham Comedy Club, https://gothamcomedyclub.com/ . I hope it's decent ... but not too decent {smirk}.

Victoria
by VictoriaF
Tue Nov 12, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251096

Re: What Movie Have You Recently Watched?

Dead Poets Society

Victoria
by VictoriaF
Sun Nov 10, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 591

Re: Cashing EE bonds

Don't forget to deduct taxes. What does this mean? Gill My oldest bond is worth today $199.32, which is $149.32 gain from the time of its purchase (I paid $50). My assumption is that, if I cashed it today, a bank would give me $199.32 in cash and next year send me a 1099 form for $149.32 income. Pl...
by VictoriaF
Sun Nov 10, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 591

Re: Cashing EE bonds

Thank you, HueyLD and CZjc1330 , I will check with my bank and CU. Today, 4% is a good rate, but back in 1990 it was not so clear. I had just started a new job and was asked to canvas for the savings bonds. I agreed and, of course, signed for the bonds myself. Most people I was approaching were not ...
by VictoriaF
Sun Nov 10, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 591

Cashing EE bonds

In 2020, my paper EE savings bonds will start maturing. I was buying them starting in 1990, getting a $50 bond every month for over two years. Now these chicken are coming home to roost. What is the best way to cash them? - Bring one EE bond to my bank every month? - Bring several EE bonds at a time...
by VictoriaF
Sun Nov 10, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 358
Views: 128623

Re: How to Minimize Your Emergency Care Expenses

From what I am reading, epigenomic factors are even more important than the genes. Victoria I was unaware this was the case. Do you have a link with which to educate myself? I recommend a book by David Sinclair "Lifespan." For a faster review, Google for podcasts by Joe Rogan and Peter Attia with D...
by VictoriaF
Sat Nov 09, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

I have the Chase Sapphire Preferred, which has a $95 fee. Taking the $300 credit into consideration, leaving a net fee of $150...can anybody speak to the added values of this card that may easily justify the additional $55 in fees? Do people who hold the Reserve feel it pays for itself for an avera...
by VictoriaF
Fri Nov 08, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 32
Views: 3654

Re: Amazon delivery

3. If your neighbor is a prime member and order something their algorithm will notice delivery next door and expedite your shipping no mater if you are prime or not (big data rules). I live in an apartment building and many of my neighbors are Prime members. This explains why sometimes I receive sh...
by VictoriaF
Fri Nov 08, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

When the CSR was first introduced, I did not qualify for it. I will be able to get it in February-March 2020, and I keep hoping that they would increase the sign-up bonus. If they are losing money on the CSR, they don't have an incentive to increase the bonus. Victoria I would be really surprised i...
by VictoriaF
Fri Nov 08, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13535

Re: Finances in NYC

mark39 wrote:
Thu Nov 07, 2019 6:14 pm
Another one for you
https://thoughtgallery.org/
Thank you, Mark,
This is a type of events I enjoy.

Victoria
by VictoriaF
Thu Nov 07, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 32
Views: 3654

Re: Amazon delivery

I live in a metropolitan area, and my Amazon shipments usually arrive on time. Exceptions are rare. However, as a recent Prime Member, I found another way to save. If I order something non-urgent, I click on a delayed delivery in exchange for $1 credit towards audio and digital items.

Victoria
by VictoriaF
Thu Nov 07, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

There are quite a few reports from FlyerTalk and other places that Chase will not waive the annual fee or even provide a credit as a retention offer. It's not a money maker for them by itself, so if you want to cancel, they won't stop you. When the CSR was first introduced, I did not qualify for it...
by VictoriaF
Thu Nov 07, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13535

Re: Finances in NYC

VictoriaF wrote:
Thu Nov 07, 2019 4:59 pm
protagonist wrote:
Wed Nov 06, 2019 11:39 pm
I find this a good source for NY culture on the cheap. https://theskint.com/
Thank you, protagonist. I will check it out when I come to NYC for my comedy classes.

Victoria
by VictoriaF
Thu Nov 07, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13535

Re: Finances in NYC

protagonist wrote:
Wed Nov 06, 2019 11:39 pm
I find this a good source for NY culture on the cheap. https://theskint.com/
Thank you, protagonist,

Victoria
by VictoriaF
Wed Nov 06, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3274

Re: For those who fly often

I fly quite a lot and I don't use neck-support pillows. My solution is to avoid red-eye flights and to sit in the aisle. A while ago, a travel blogger claimed that people use these pillows incorrectly, i.e., that the pillow opening must be on the back of the head. I am curious if pillow people have ...
by VictoriaF
Tue Nov 05, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13535

Re: Finances in NYC

I've raced my fiancee four times so far, where she would take the bus (both crosstown and N-S) and I would walk at my usual relatively fast pace- I average 10 city blocks in 9 minutes (no running- that is cheating- just my normal walk). I beat her all four times. The immortal Lightnin' Hopkins said...
by VictoriaF
Mon Nov 04, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

ThePointsGuy has a breakdown of the value of each Marriott Status tier: https://thepointsguy.com/guide/what-is-marriott-elite-status-worth/ Personally, I value the bonus points on hotel spend and United Silver status (comes with Marriott Titanium status) the most. Thank you for the reference. I che...
by VictoriaF
Mon Nov 04, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6248

Re: Airbnb - Guide a beginner

Airbnb is definitely buyer beware. Like plenty of other marketplace "disrupters" they have very little oversight or horsepower to deal with dissatisfaction. I've rented in smaller towns with very specific niche interests and had good luck, but I'd never use them in a major city. I've read this arti...
by VictoriaF
Sun Nov 03, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167389

Re: [What TV Show Have You Recently Watched?]

Рая знает всё , part 38. This 50-part serial in Russian is a mix of a detective, melodrama, and comedy. The stories evolve around a turbulent romantic relationship between a policeman and a hair stylist in a provincial Russian town. In every show, somebody gets killed, or threatened, or hurt, and t...
by VictoriaF
Sun Nov 03, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176097

Re: What Book Are You Currently Reading? Part VI

Auto Gawande’s book Being Mortal https://en.wikipedia.org/wiki/Being_Mortal A difficult book for me to read, well worth it though. Especially for anyone who plans on growing older. And for those who’s plans have been interrupted by illness or injury. P.S. This may well have been posted already, I d...
by VictoriaF
Sun Nov 03, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

I can still do the Marriott mattress run. Financially, I'd break even, but I may do it just to try a near-by hotel: Marriott Key Bridge. It's well located but has some bad reviews on travel blogs. I am curious whether its bad reputation is justified. It is a very old hotel (the oldest in the Marrio...
by VictoriaF
Sun Nov 03, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 358
Views: 128623

Re: How to Minimize Your Emergency Care Expenses

A big point missed is why you have to go to the ER in the first place. 1. Be healthy 2. Don't do stupid stuff It's great to be prepared, but it's even greater to prevent the trip. Most of all, inherit good genes. Yes! Although, as we get older, my understanding is that "good genes" play a lesser ro...
by VictoriaF
Sun Nov 03, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

Status in the U.S. is not that great. I personally would have gone for the Marriott for the $75 in your shoes, but I understand it either way. Internationally, status is recognized much more, probably because it is not as common. As several IHG hotels internationally, when I have checked in, usuall...
by VictoriaF
Sun Nov 03, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

What's done is done. However, I'd like to get feedback if this was as stupid as it now appears to me. I'll use it as a lesson. Since you asked, yes, I think it was stupid. ... the point of the points is to have free stays, not to pay for unnecessary stays. Exactly. Your responses are relevant to a ...
by VictoriaF
Sun Nov 03, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

A true BH would not be stuck on any particular hotel chain, but would have looked on booking.com., hotels.com, trivago, Airbnb and sought appropriate lodging at a certain price. This BH, me, has never spent $200 on a one night hotel room.i am not on any business CC so money is out of my pocket. Ski...
by VictoriaF
Wed Oct 30, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3072

Re: VPNs

Electronic Frontier Foundation has a guide for choosing a VPN but no specific recommendations. See https://ssd.eff.org/en/module/choosing- ... -right-you .

Victoria
by VictoriaF
Wed Oct 30, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

If you're interested, there's a lot of information on the USPSTF web page and by googling the issue. https://www.uspreventiveservicestaskforce.org/ This is not a question of insurance coverage, which I would not expect a doctor to know, this is a subject of the major research rating organization of...
by VictoriaF
Wed Oct 30, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176097

Re: What Book Are You Currently Reading? Part VI

bertilak wrote:
Wed Oct 30, 2019 8:48 am
Victor Borge is more of a sit-down comedian -- on a piano bench.
I checked out Victor Borge: Sadly, since 2000, he is a lie-down comedian.

Thank you for the reference,

Victoria
by VictoriaF
Wed Oct 30, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176097

Re: What Book Are You Currently Reading? Part VI

"Mastering Stand-Up" by Stephen Rosenfield. In November, I will be taking Rosenfield's stand-up class in NYC, and this book provides an excellent preparation. Those who can't make it to New York should read it for an excellent coverage of all aspects of stand-up, including looking for humor in your...
by VictoriaF
Wed Oct 30, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

All,

Thank you for excellent information. I have cancelled this mattress run in time to avoid losing money on a non-refundable reservation.

Victoria
by VictoriaF
Wed Oct 30, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15155

Re: I no longer plan on retiring early

I truly believe that we should all seek the life that we would do if we had 100M. It's a good heuristic for all of us. In reality, your questions make little sense to me because if your three hypothesis were true, I would not have aspired to retire early to begin with and I would want to work full ...
by VictoriaF
Tue Oct 29, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

Is it worthwhile to spend $75 for getting a Marriott Gold status? Victoria Gold gets a 25% vs 10% bump on points per stay, so if you're planning on staying at Marriott a lot next year, could be worth it. The actual perks don't come until Platinum when you get lounge access. In theory you're eligibl...
by VictoriaF
Tue Oct 29, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are federal health benefits worth postponing early retirement?
Replies: 60
Views: 5576

Re: Are federal health benefits worth postponing early retirement?

I waited to retire until I had MRA + 10. When Bogleheads talk about their number , they usually mean the assets. My number was MRA + 10. When you become financially independent, your wife can look for a position with less responsibilities and possibly fewer hours. The retirement benefits are worth t...
by VictoriaF
Tue Oct 29, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15155

Re: I no longer plan on retiring early

Hello Bogleheads, I wanna share this « milestone ». I have pursued early retirement for the past 6-7 years and If things go smoothly, I should hit my number in 3-4 years, and retire prior to hitting 50. That was the plan. According to our IPS, number to retire was 2M, spouse wants to keep working f...
by VictoriaF
Tue Oct 29, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15004

Re: Mattress Run: Was it stupid?

Four years later, I have a similar question. I noticed that I need only 1 more night to move from the Marriott Silver status to Gold. I could not fit a night into my planned travel and found a local hotel where I can stay for $67/night, or $75 including tax. This was the lowest rate for the remainde...
by VictoriaF
Tue Oct 29, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176097

Re: What Book Are You Currently Reading? Part VI

"Mastering Stand-Up" by Stephen Rosenfield. In November, I will be taking Rosenfield's stand-up class in NYC, and this book provides an excellent preparation. Those who can't make it to New York should read it for an excellent coverage of all aspects of stand-up, including looking for humor in your...
by VictoriaF
Tue Oct 29, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5008

Re: Travel hacking international flights

Talk to forum member VictoriaF before committing to Condor. If I recall, they did not do well by her. Hmmm... I spoke with her a couple weeks ago at the Bogleheads conference but the subject never came up ;) FWIW I flew on Condor this summer, coming back from Frankfurt on the morning that Thomas Co...
by VictoriaF
Tue Oct 29, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176097

Re: What Book Are You Currently Reading? Part VI

"Mastering Stand-Up" by Stephen Rosenfield. In November, I will be taking Rosenfield's stand-up class in NYC, and this book provides an excellent preparation. Those who can't make it to New York should read it for an excellent coverage of all aspects of stand-up, including looking for humor in your ...
by VictoriaF
Tue Oct 22, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10195

Re: For those who are FI: At what point did you begin to relax?

What is DI2K? Is this a common acronym that I should know? I googled it and got nothing. Why do so many people use random acronyms, do they not realize that some people do not know what they are supposed to mean? Am I expected to do research to figure out what you are trying to say? Is it so hard t...
by VictoriaF
Tue Oct 22, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11613

Re: Ok to go without health insurance?

Any advice based on anecdotes is irrelevant. Some people go without insurance and end up saving money. Other people have unexpected hardships resulting in catastrophic financial losses. These stories invoke the availability heuristic and irrational decisions. Instead of anecdotes, look at the stati...
by VictoriaF
Tue Oct 22, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121261

Re: What frugal thing did you do today?

At the Bogleheads 2019 Reunion, I earned $5 from Allan Roth. I considered it a "frugal thing to do." Some called it extortion.

Victoria